Who We Are

miro-pic-sml-200X200Miro Posavec: Total Operations Mngt.

Starting his career in 1988 as a computer/operational systems consultant, Miro spent the next 10 years helping colleges and school boards with implementing technology. With a desire to do something “different”, Miro opened his first Payday Loan/Check Cash store in 1999. This quickly grew to 5 locations with $1,000,000.00 + in fees. Miro sold this operation in 2008. While running this company, Miro's talents were sought out by the Florida association of Financial Service Centers (where he served as a Director). Between 2000 and 2008, he worked closely with State officials in helping to implement changes to regulation that affected the industry.

In 2008 Miro started Lighthouse Portfolio Management. Lighthouse converted entire loan operations and moved them into the “ONLINE” world. The company also bought and collected on Multi-million Dollar non-performing portfolios. This was sold in early 2012.

Miro consulted on different Payday/Pawn type ventures. From a one-man pawn shop, to a large online lender processing 1000+ applications per day. His operational expertise extends from State licensing to loan underwriting to portfolio management to collections.

Miro's game changing approach to client acquisition has made him a recognized expert in new venture launch. Marketing is not just fancy talk for salesmanship. Marketing needs to be built into your operations, and systems.

Beyond operational design, Miro has the ability to IMPLEMENT. Not just create procedures; but get hands on, and train staff. His technical understanding is key to a business that thrives with excellent analytics.
Google +Jer: Trihouse Consulting

Jer co-founded Trihouse Consulting in 1998. Jer - he is a brand - specializes in mobilizing organizations, investment groups, VC’s and entrepreneurs with uncommon expertise in the consumer small dollar credit space. Jer opened the first of 15 payday loan locations in 1998 with two partners. In 2005, his equity position was sold to a major brick-n-mortar operator.

Based in Newport Beach, California, and simply referred to as “Jer” by the “players” in the PDL industry, Jer began consulting in 2003. Trihouse has helped more than 300 lending companies throughout the U.S., Canada, U.K., Australia, Barbados, Jamaica, Costa Rica and a multitude of high-wealth management groups and venture capital funds enter the (AFS) micro-lending space. Several of these operations have grown into multi-chain “brick and mortar,” blended and mono-line Internet lending operations.

Trihouse is recognized throughout the industry as, “The Guys who wrote the book on Payday Loans.” Trihouse has developed multiple training manuals and intellectual property (IP) , consulted and collaborated with multiple PDL startups and provided content for the "Wall Street Journal,” "Bloomberg,”, "Business Week, "Bloomberg" and National Public Radio (NPR) with topics focused on the sovereign nation model, choice-of-law, offshore and state licensing models. Jer has provided counsel to PDL operators throughout the world including Canada, Australia, the UK, and the Bahamas on an ongoing basis, and continues to be viewed as “the go-to guy” in the payday loan industry.

Additionally, Jer has participated in a multitude of capacities at micro lending conventions and conferences since 1998 including The Online Lenders Association (OLA), Financial Services of America (FISCA), and Consumer Financial Services Association (CFSA).

For access to Jer’s latest pronouncements, ramblings, and predictions visit:
PaydayLoanIndustryBlog.com. This PDL Blog has 8,000+ readers including payday loan operators, entrepreneurs, tribal economic boards, publicly traded payday loan and pawn shop companies, regulators and staff members of legislators, states attorney generals, investors, bankers, credit union officers and many, more.

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